Himanshu Singh
Gurugram
Summary
Fraud Risk Management specialist with nearly 7 + years of experience designing enterprise fraud strategies, developing rule engines, leading fraud operations, and driving financial crime investigation across large-scale payment ecosystems. Proven expertise in rule optimization, onboarding risk modeling, synthetic identity detection, mule network disruption, and dispute-driven control enhancement. Known for leading large analyst teams and architecting high-precision fraud prevention frameworks.
Overview
7
7
years of professional experience
Work History
Manager - Pre & Post Acquisition | Fraud Risk Management
SBI Card Payment Services Ltd.
Gurugram
07.2023 - Current
- Designed layered fraud mitigation framework covering onboarding, authorization, and lifecycle surveillance.
- Developed approval and authorization logic with network partners to enhance risk-calibrated decisioning.
- Built and deployed optimized rules in Blaze and Hunter, improving real-time detection accuracy.
- Integrated alternate KYC vendors to strengthen onboarding through live verification and behavioral signals.
- Monitored insider threat patterns, access deviations, and privilege misuse to prevent internal risks.
- Investigated KYC fraud patterns using OCR mismatches, metadata shifts, and IP clustering.
- Conducted cross-border analysis to uncover coordinated financial crime networks.
- Led money mule identification using velocity tracking, account-linkage, and transactional circularity.
- Digitized policy frameworks into executable rule logic for consistency and automation.
- Managed a team of 65+ analysts ensuring SLA compliance and high-quality fraud investigation.
- Improved fraud catch rates by over 40% through precision rule redesign and adaptive triggers.
- Reduced manual review workload by 26% via automated workflows.
- Enhanced rule precision in Hunter using feedback loops and real-time fraud pattern alignment.
- Strengthened onboarding trust by integrating live verification APIs into risk engines.
Deputy Unit Manager - Risk Containment Unit
Bajaj Finserv
Gurugram
02.2022 - 07.2023
- Established end-to-end fraud control for Bajaj Pay, integrating onboarding controls and merchant risk flags.
- Built real-time merchant risk scoring models enabling automated validation in DIY journeys.
- Implemented behavior-based alerting for pre-acquisition and transactional anomalies.
- Strengthened wallet portfolio risk with velocity checks and behavioral analytics.
- Led a 124-member team, governing KPIs, workflows, and escalation processes.
- Deployed additional fraud rules increasing early fraud detection significantly.
- Improved alert precision using layered logic and category mapping.
- Reduced DIY onboarding fraud through integrated risk scoring and automation.
- Enhanced fraud visibility in wallet flows through advanced risk thresholds.
Senior Executive - Fraud Risk Management
Pay-10 Bhartipay
Gurugram
08.2021 - 01.2022
- Oversaw risk validation for merchant onboarding (POS & PG).
- Managed risk for AEPS, DMT, and BBPS channels.
- Developed SOPs and initial risk scoring models for standardizing fraud screening.
Associate - Fraud Risk Management
Paytm
Noida
09.2018 - 07.2021
- Investigated alerts generated from rule engines across channels.
- Conducted real-time monitoring of QR, Wallet, and UPI transactions.
- Analyzed customer behavior to detect evolving fraud patterns.
Education
Bachelor of Science - PCM
Chhatrapati Sahu Ji Maharaja University
Skills
- Fraud Strategy & Governance
- Financial Crime Investigation
- Authorization & Transaction Risk Controls
- Fraud Rule Engine Design
- Onboarding Risk Modeling & KYC Controls
- Dispute Analytics & Pattern Detection
- Merchant Risk Profiling
- Operational Leadership & SLA Governance
- Real-Time Monitoring & Alert Optimization
- Blaze Credit Engine
- Falcon
- Risk Decision Engine
- Advanced SQL
- Advanced Excel
- Transaction Monitoring Systems
- Dispute Monitoring Dashboards
Projects
FRM Dashboard - Bajaj Pay, Designed requirements enabling real-time fraud insights and catch-rate analytics. Blaze Credit Engine - SBI Card, Provided key logic enhancements for automated fraud rule execution. Rule Adaptation Engine, Built self-learning logic from disputes to improve detection accuracy. Operational Automation, Delivered reusable logic automations reducing operational load.
Awards
- Employee of the Month, SBI Card, 01/01/24
- GEM Award, Bajaj Finserv, 12/01/22
Languages
English
Proficient
C2
Hindi
Proficient
C2
Timeline
Manager - Pre & Post Acquisition | Fraud Risk Management
SBI Card Payment Services Ltd.
07.2023 - Current
Deputy Unit Manager - Risk Containment Unit
Bajaj Finserv
02.2022 - 07.2023
Senior Executive - Fraud Risk Management
Pay-10 Bhartipay
08.2021 - 01.2022
Associate - Fraud Risk Management
Paytm
09.2018 - 07.2021
Bachelor of Science - PCM
Chhatrapati Sahu Ji Maharaja University